Total monthly cost of ownership
Cost to Own a Home in Ellsworth, Kansas
A $144,000 home here costs
$1,362per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $740. The real number is $622 higher every month — 84% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Ellsworth against Ellsworth County and Kansas
| Measure | Ellsworth | Ellsworth County |
|---|---|---|
| Median home value | $143,600 | $116,300 |
| Median property tax | $2,562 | $1,766 |
| Effective tax rate | 1.784% | 1.518% |
| Median gross rent | $693 | $705 |
| Population | 3,098 | 6,366 |
The weather behind that power bill
Ellsworth sits in Ellsworth County, which averages a high of 92.7°F in its hottest month and a low of 17.5°F in its coldest, with 30.84" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 1,507 cooling and 5,207 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Ellsworth County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Ellsworth County
No other places of this size are published in Ellsworth County.
Full Ellsworth County cost breakdown · Every county in Kansas
Common questions
How much does it cost to own a home in Ellsworth?
A $144,000 home in Ellsworth, Kansas costs approximately $1,362 per month with 20% down at 6.66%. That is $740 principal and interest, $214 property tax, $84 homeowners insurance, $204 utilities and $120 set aside for maintenance.
What is the property tax rate in Ellsworth?
Ellsworth has an effective property tax rate of 1.784%, based on a median home value of $143,600 and median real estate taxes of $2,562. That is higher than the Ellsworth County average of 1.518%.
What is the average home price in Ellsworth?
The median owner-occupied home value in Ellsworth, Kansas is $143,600, against $116,300 across Ellsworth County.
Is it cheaper to rent or buy in Ellsworth?
Median gross rent in Ellsworth is $693 a month, against $1,362 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Ellsworth — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Kansas.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.